What Speedway offers and who runs it

Speedway is a convenience store and fuel chain owned by Murphy USA Inc. as of 2021. Before that, it was part of Murphy Oil Corporation. The chain operates thousands of locations across the United States, primarily in the Midwest and along the East Coast, though the exact number of stores changes as the company opens and closes locations.

Speedway sells gasoline, diesel, and convenience items like snacks, drinks, and household goods. The company also runs a rewards program called Speedway Rewards that lets you earn points on fuel and in-store purchases. Understanding how their payment options and rewards structure work can help you decide whether shopping there fits your budget.

Speedway accepts most major payment methods: Visa, Mastercard, American Express, Discover, and debit cards. They also accept mobile payment apps like Apple Pay and Google Pay at most locations. Some Speedway stores accept cash, though this varies by location.

Key Takeaways

  • Speedway Rewards is a free program where you earn points on every gallon of fuel and in-store purchase, with points worth roughly one cent per point toward future fuel or merchandise.
  • You can join Speedway Rewards in-store, online, or through the Speedway mobile app, and you do not need a credit card to participate.
  • Speedway occasionally runs promotions that double or triple points on fuel purchases during specific periods, which can significantly increase your savings.
  • The Speedway app lets you check fuel prices, find nearby locations, and track your rewards balance in real time.
  • Speedway does not offer a branded credit card or financing options; you pay with your own card or cash at the pump or inside the store.

How Speedway Rewards points work

When you join Speedway Rewards, you earn one point for every dollar you spend on fuel and in-store purchases. Points accumulate in your account and can be redeemed toward discounts on fuel or merchandise. The exact redemption value depends on current promotions, but generally one point equals roughly one cent off your next purchase.

For example, if you spend $50 on fuel, you earn 50 points. When you have accumulated 100 points, you might redeem them for $1 off your next fuel purchase, though Speedway sometimes runs promotions where points are worth more. The company occasionally offers bonus point events—such as "earn 2 points per dollar" on fuel for a limited time—which accelerates how fast your balance grows.

Points do not expire as long as your account remains active. However, if you do not use your Speedway Rewards account for an extended period, the company may close it. You can check your current points balance through the Speedway app, on their website, or by asking a cashier in-store.

Signing up for Speedway Rewards

You can join Speedway Rewards three ways: in a Speedway store, on the Speedway website, or through the Speedway mobile app. All three methods are free and take only a few minutes.

In-store signup requires your phone number or email address and a zip code. You do not need a credit card or any form of ID to join. The cashier will give you a Speedway Rewards card or number on the spot, and you can start earning points when ready on your next purchase.

Online signup through Speedway's website or app requires the same basic information: email address, phone number, and zip code. Once you create an account, you can link a payment method to your app for faster checkout, though this is optional. You will receive a digital card number that you can use at any Speedway location by providing your phone number at checkout or scanning a barcode in the app.

Using the Speedway app and checking your balance

The Speedway mobile app is free and available on iOS and Android. It shows your current points balance, lets you find nearby Speedway locations with current fuel prices, and allows you to pay directly from your phone at the pump or inside the store.

To use the app for payment, you link a debit or credit card during setup. At the pump, you scan the barcode displayed in the app or enter your phone number, then select your fuel grade and pump. Inside the store, you can scan the app's barcode at the register or provide your phone number. Your points are added to your account automatically after each transaction.

The app also displays current promotions and bonus point events, so you can plan your fuel purchases around times when points are worth more. You can redeem points directly through the app by selecting the redemption option and explore the discount to your next purchase.

Speedway fuel grades and pricing

Speedway sells three main fuel grades: regular (87 octane), mid-grade (89 octane), and premium (91 or 93 octane, depending on location). Diesel is also available at most locations. Prices vary by location and change daily based on wholesale fuel costs and local market conditions.

Speedway Rewards points are earned on all fuel grades at the same rate—one point per dollar spent—so there is no advantage to buying premium fuel in terms of rewards accumulation. However, premium fuel costs more per gallon, so you will earn more total points by spending more money, not by choosing a higher grade.

Speedway occasionally runs promotions on specific fuel grades, such as discounted mid-grade fuel or bonus points on premium purchases. These promotions are advertised in-store and through the app, so checking before you fill up can save you money.

In-store purchases and rewards

You earn Speedway Rewards points on everything you buy inside the store, not just fuel. This includes snacks, drinks, coffee, lottery tickets, car supplies, and household items. The points accumulate at the same rate as fuel purchases: one point per dollar spent.

Speedway sometimes runs promotions that offer bonus points on specific items or categories. For example, they might offer double points on coffee purchases during a certain week, or bonus points on energy drinks. These promotions are posted in-store and announced through the app.

You can combine fuel and in-store purchases in a single transaction. If you pump $40 in fuel and buy $10 in snacks, you earn 50 points total. You can then redeem those points toward your next fuel purchase, in-store merchandise, or save them for a larger redemption later.

What Speedway does not offer

Speedway does not have a branded credit card or a layaway program. You cannot finance fuel purchases or set up a payment plan. All transactions are when ready: you pay with your own card, cash, or mobile payment method at the time of purchase.

Speedway also does not offer gift cards through the rewards program, though some locations may sell physical Speedway gift cards at the register. These are separate from the rewards program and do not earn points when purchased.

If you are looking for a fuel rewards credit card with cash back or points that transfer to other programs, you would need to use a card from your bank or credit card issuer, not a Speedway-branded product. Your bank's rewards may or may not be accepted at Speedway depending on the card's terms.

Frequently Asked Questions

Do I need a credit card to join Speedway Rewards?

No. You can join with just a phone number, email address, and zip code. You can pay for fuel and in-store purchases with cash, debit, credit, or mobile payment. The rewards program itself does not require any form of credit.

What happens to my points if I do not use my account for a long time?

Points do not expire as long as your account is active. However, if Speedway detects no activity for an extended period—the exact timeframe varies—they may close your account. If this happens, you would need to rejoin to earn points again. Checking your balance occasionally through the app or in-store helps keep your account active.

Can I use Speedway Rewards at other gas stations?

No. Speedway Rewards can only be used at Speedway locations. Other gas station chains have their own separate rewards programs. If you shop at multiple chains, you would need to join each one separately.

How do I redeem my points for fuel?

You can redeem points at the pump or inside the store. Through the app, select the redemption option, choose how many points to redeem, and the discount applies to your next purchase. In-store, tell the cashier you want to redeem points, and they will deduct the amount from your total. You can also redeem points on in-store merchandise instead of fuel.

Does Speedway offer discounts for seniors, military, or other groups?

Speedway does not advertise a formal senior discount or military discount program. However, promotions and bonus point events change regularly, so checking the app or asking in-store about current offers is worth doing. Some individual Speedway locations may run local promotions that vary by store.